TITLE by YOUR_NAME_HERE

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Univariate Plots Section

Tip: In this section, you should perform some preliminary exploration of your dataset. Run some summaries of the data and create univariate plots to understand the structure of the individual variables in your dataset. Don’t forget to add a comment after each plot or closely-related group of plots! There should be multiple code chunks and text sections; the first one below is just to help you get started.

## 'data.frame':    113937 obs. of  84 variables:
##  $ ListingKey                         : Factor w/ 113066 levels "00003546482094282EF90E5",..: 7180 7193 6647 6669 6686 6689 6699 6706 6687 6687 ...
##  $ ListingNumber                      : int  193129 1209647 81716 658116 909464 1074836 750899 768193 1023355 1023355 ...
##  $ ListingCreationDate                : POSIXct, format: "2007-08-26 19:09:29" "2014-02-27 08:28:07" ...
##  $ CreditGrade                        : Ord.factor w/ 8 levels "NC"<"HR"<"E"<..: 5 NA 2 NA NA NA NA NA NA NA ...
##  $ Term                               : int  36 36 36 36 36 60 36 36 36 36 ...
##  $ LoanStatus                         : Factor w/ 12 levels "Cancelled","Chargedoff",..: 3 4 3 4 4 4 4 4 4 4 ...
##  $ ClosedDate                         : POSIXct, format: "2009-08-14" NA ...
##  $ BorrowerAPR                        : num  0.165 0.12 0.283 0.125 0.246 ...
##  $ BorrowerRate                       : num  0.158 0.092 0.275 0.0974 0.2085 ...
##  $ LenderYield                        : num  0.138 0.082 0.24 0.0874 0.1985 ...
##  $ EstimatedEffectiveYield            : num  NA 0.0796 NA 0.0849 0.1832 ...
##  $ EstimatedLoss                      : num  NA 0.0249 NA 0.0249 0.0925 ...
##  $ EstimatedReturn                    : num  NA 0.0547 NA 0.06 0.0907 ...
##  $ ProsperRating..numeric.            : int  NA 6 NA 6 3 5 2 4 7 7 ...
##  $ ProsperRating..Alpha.              : Ord.factor w/ 7 levels "HR"<"E"<"D"<"C"<..: NA 6 NA 6 3 5 2 4 7 7 ...
##  $ ProsperScore                       : num  NA 7 NA 9 4 10 2 4 9 11 ...
##  $ ListingCategory..numeric.          : int  0 2 0 16 2 1 1 2 7 7 ...
##  $ BorrowerState                      : Factor w/ 52 levels "","AK","AL","AR",..: 7 7 12 12 25 34 18 6 16 16 ...
##  $ Occupation                         : Factor w/ 68 levels "","Accountant/CPA",..: 37 43 37 52 21 43 50 29 24 24 ...
##  $ EmploymentStatus                   : Factor w/ 9 levels "","Employed",..: 9 2 4 2 2 2 2 2 2 2 ...
##  $ EmploymentStatusDuration           : int  2 44 NA 113 44 82 172 103 269 269 ...
##  $ IsBorrowerHomeowner                : logi  TRUE FALSE FALSE TRUE TRUE TRUE ...
##  $ CurrentlyInGroup                   : logi  TRUE FALSE TRUE FALSE FALSE FALSE ...
##  $ GroupKey                           : Factor w/ 707 levels "","00343376901312423168731",..: 1 1 335 1 1 1 1 1 1 1 ...
##  $ DateCreditPulled                   : POSIXct, format: "2007-08-26 18:41:46" "2014-02-27 08:28:14" ...
##  $ CreditScoreRangeLower              : int  640 680 480 800 680 740 680 700 820 820 ...
##  $ CreditScoreRangeUpper              : int  659 699 499 819 699 759 699 719 839 839 ...
##  $ FirstRecordedCreditLine            : POSIXct, format: "2001-10-11" "1996-03-18" ...
##  $ CurrentCreditLines                 : int  5 14 NA 5 19 21 10 6 17 17 ...
##  $ OpenCreditLines                    : int  4 14 NA 5 19 17 7 6 16 16 ...
##  $ TotalCreditLinespast7years         : int  12 29 3 29 49 49 20 10 32 32 ...
##  $ OpenRevolvingAccounts              : int  1 13 0 7 6 13 6 5 12 12 ...
##  $ OpenRevolvingMonthlyPayment        : num  24 389 0 115 220 1410 214 101 219 219 ...
##  $ InquiriesLast6Months               : int  3 3 0 0 1 0 0 3 1 1 ...
##  $ TotalInquiries                     : num  3 5 1 1 9 2 0 16 6 6 ...
##  $ CurrentDelinquencies               : int  2 0 1 4 0 0 0 0 0 0 ...
##  $ AmountDelinquent                   : num  472 0 NA 10056 0 ...
##  $ DelinquenciesLast7Years            : int  4 0 0 14 0 0 0 0 0 0 ...
##  $ PublicRecordsLast10Years           : int  0 1 0 0 0 0 0 1 0 0 ...
##  $ PublicRecordsLast12Months          : int  0 0 NA 0 0 0 0 0 0 0 ...
##  $ RevolvingCreditBalance             : num  0 3989 NA 1444 6193 ...
##  $ BankcardUtilization                : num  0 0.21 NA 0.04 0.81 0.39 0.72 0.13 0.11 0.11 ...
##  $ AvailableBankcardCredit            : num  1500 10266 NA 30754 695 ...
##  $ TotalTrades                        : num  11 29 NA 26 39 47 16 10 29 29 ...
##  $ TradesNeverDelinquent..percentage. : num  0.81 1 NA 0.76 0.95 1 0.68 0.8 1 1 ...
##  $ TradesOpenedLast6Months            : num  0 2 NA 0 2 0 0 0 1 1 ...
##  $ DebtToIncomeRatio                  : num  0.17 0.18 0.06 0.15 0.26 0.36 0.27 0.24 0.25 0.25 ...
##  $ IncomeRange                        : Ord.factor w/ 6 levels "$0"<"$1-24,999"<..: 3 4 NA 3 6 6 3 3 3 3 ...
##  $ IncomeVerifiable                   : logi  TRUE TRUE TRUE TRUE TRUE TRUE ...
##  $ StatedMonthlyIncome                : num  3083 6125 2083 2875 9583 ...
##  $ LoanKey                            : Factor w/ 113066 levels "00003683605746079487FF7",..: 100337 69837 46303 70776 71387 86505 91250 5425 908 908 ...
##  $ TotalProsperLoans                  : int  NA NA NA NA 1 NA NA NA NA NA ...
##  $ TotalProsperPaymentsBilled         : int  NA NA NA NA 11 NA NA NA NA NA ...
##  $ OnTimeProsperPayments              : int  NA NA NA NA 11 NA NA NA NA NA ...
##  $ ProsperPaymentsLessThanOneMonthLate: int  NA NA NA NA 0 NA NA NA NA NA ...
##  $ ProsperPaymentsOneMonthPlusLate    : int  NA NA NA NA 0 NA NA NA NA NA ...
##  $ ProsperPrincipalBorrowed           : num  NA NA NA NA 11000 NA NA NA NA NA ...
##  $ ProsperPrincipalOutstanding        : num  NA NA NA NA 9948 ...
##  $ ScorexChangeAtTimeOfListing        : int  NA NA NA NA NA NA NA NA NA NA ...
##  $ LoanCurrentDaysDelinquent          : int  0 0 0 0 0 0 0 0 0 0 ...
##  $ LoanFirstDefaultedCycleNumber      : int  NA NA NA NA NA NA NA NA NA NA ...
##  $ LoanMonthsSinceOrigination         : int  78 0 86 16 6 3 11 10 3 3 ...
##  $ LoanNumber                         : int  19141 134815 6466 77296 102670 123257 88353 90051 121268 121268 ...
##  $ LoanOriginalAmount                 : int  9425 10000 3001 10000 15000 15000 3000 10000 10000 10000 ...
##  $ LoanOriginationDate                : POSIXct, format: "2007-09-12" "2014-03-03" ...
##  $ LoanOriginationQuarter             : Ord.factor w/ 33 levels "Q4 2005"<"Q1 2006"<..: 8 33 6 28 31 32 30 30 32 32 ...
##  $ MemberKey                          : Factor w/ 90831 levels "00003397697413387CAF966",..: 11071 10302 33781 54939 19465 48037 60448 40951 26129 26129 ...
##  $ MonthlyLoanPayment                 : num  330 319 123 321 564 ...
##  $ LP_CustomerPayments                : num  11396 0 4187 5143 2820 ...
##  $ LP_CustomerPrincipalPayments       : num  9425 0 3001 4091 1563 ...
##  $ LP_InterestandFees                 : num  1971 0 1186 1052 1257 ...
##  $ LP_ServiceFees                     : num  -133.2 0 -24.2 -108 -60.3 ...
##  $ LP_CollectionFees                  : num  0 0 0 0 0 0 0 0 0 0 ...
##  $ LP_GrossPrincipalLoss              : num  0 0 0 0 0 0 0 0 0 0 ...
##  $ LP_NetPrincipalLoss                : num  0 0 0 0 0 0 0 0 0 0 ...
##  $ LP_NonPrincipalRecoverypayments    : num  0 0 0 0 0 0 0 0 0 0 ...
##  $ PercentFunded                      : num  1 1 1 1 1 1 1 1 1 1 ...
##  $ Recommendations                    : int  0 0 0 0 0 0 0 0 0 0 ...
##  $ InvestmentFromFriendsCount         : int  0 0 0 0 0 0 0 0 0 0 ...
##  $ InvestmentFromFriendsAmount        : num  0 0 0 0 0 0 0 0 0 0 ...
##  $ Investors                          : int  258 1 41 158 20 1 1 1 1 1 ...
##  $ ListingCategory                    : Factor w/ 20 levels "Debt Consolidation",..: NA 2 NA 16 2 1 1 2 7 7 ...
##  $ CreditGrade.ProsperRating          : Ord.factor w/ 8 levels "NC"<"HR"<"E"<..: 5 7 2 7 4 6 3 5 8 8 ...
##  $ past.due.days                      : Ord.factor w/ 6 levels "Past Due (1-15 days)"<..: NA NA NA NA NA NA NA NA NA NA ...
##                    ListingKey     ListingNumber    
##  17A93590655669644DB4C06:     6   Min.   :      4  
##  349D3587495831350F0F648:     4   1st Qu.: 400919  
##  47C1359638497431975670B:     4   Median : 600554  
##  8474358854651984137201C:     4   Mean   : 627886  
##  DE8535960513435199406CE:     4   3rd Qu.: 892634  
##  04C13599434217079754AEE:     3   Max.   :1255725  
##  (Other)                :113912                    
##  ListingCreationDate            CreditGrade         Term      
##  Min.   :2005-11-09 20:44:28   C      : 5649   Min.   :12.00  
##  1st Qu.:2008-09-19 10:02:14   D      : 5153   1st Qu.:36.00  
##  Median :2012-06-16 12:37:19   B      : 4389   Median :36.00  
##  Mean   :2011-07-09 08:33:43   AA     : 3509   Mean   :40.83  
##  3rd Qu.:2013-09-09 19:40:48   HR     : 3508   3rd Qu.:36.00  
##  Max.   :2014-03-10 12:20:53   (Other): 6745   Max.   :60.00  
##                                NA's   :84984                  
##                  LoanStatus      ClosedDate                 
##  Current              :56576   Min.   :2005-11-25 00:00:00  
##  Completed            :38074   1st Qu.:2009-07-14 00:00:00  
##  Chargedoff           :11992   Median :2011-04-05 00:00:00  
##  Defaulted            : 5018   Mean   :2011-03-07 19:48:20  
##  Past Due (1-15 days) :  806   3rd Qu.:2013-01-30 00:00:00  
##  Past Due (31-60 days):  363   Max.   :2014-03-10 00:00:00  
##  (Other)              : 1108   NA's   :58848                
##   BorrowerAPR       BorrowerRate     LenderYield     
##  Min.   :0.00653   Min.   :0.0000   Min.   :-0.0100  
##  1st Qu.:0.15629   1st Qu.:0.1340   1st Qu.: 0.1242  
##  Median :0.20976   Median :0.1840   Median : 0.1730  
##  Mean   :0.21883   Mean   :0.1928   Mean   : 0.1827  
##  3rd Qu.:0.28381   3rd Qu.:0.2500   3rd Qu.: 0.2400  
##  Max.   :0.51229   Max.   :0.4975   Max.   : 0.4925  
##  NA's   :25                                          
##  EstimatedEffectiveYield EstimatedLoss   EstimatedReturn 
##  Min.   :-0.183          Min.   :0.005   Min.   :-0.183  
##  1st Qu.: 0.116          1st Qu.:0.042   1st Qu.: 0.074  
##  Median : 0.162          Median :0.072   Median : 0.092  
##  Mean   : 0.169          Mean   :0.080   Mean   : 0.096  
##  3rd Qu.: 0.224          3rd Qu.:0.112   3rd Qu.: 0.117  
##  Max.   : 0.320          Max.   :0.366   Max.   : 0.284  
##  NA's   :29084           NA's   :29084   NA's   :29084   
##  ProsperRating..numeric. ProsperRating..Alpha.  ProsperScore  
##  Min.   :1.000           C      :18345         Min.   : 1.00  
##  1st Qu.:3.000           B      :15581         1st Qu.: 4.00  
##  Median :4.000           A      :14551         Median : 6.00  
##  Mean   :4.072           D      :14274         Mean   : 5.95  
##  3rd Qu.:5.000           E      : 9795         3rd Qu.: 8.00  
##  Max.   :7.000           (Other):12307         Max.   :11.00  
##  NA's   :29084           NA's   :29084         NA's   :29084  
##  ListingCategory..numeric. BorrowerState  
##  Min.   : 0.000            CA     :14717  
##  1st Qu.: 1.000            TX     : 6842  
##  Median : 1.000            NY     : 6729  
##  Mean   : 2.774            FL     : 6720  
##  3rd Qu.: 3.000            IL     : 5921  
##  Max.   :20.000                   : 5515  
##                            (Other):67493  
##                     Occupation         EmploymentStatus
##  Other                   :28617   Employed     :67322  
##  Professional            :13628   Full-time    :26355  
##  Computer Programmer     : 4478   Self-employed: 6134  
##  Executive               : 4311   Not available: 5347  
##  Teacher                 : 3759   Other        : 3806  
##  Administrative Assistant: 3688                : 2255  
##  (Other)                 :55456   (Other)      : 2718  
##  EmploymentStatusDuration IsBorrowerHomeowner CurrentlyInGroup
##  Min.   :  0.00           Mode :logical       Mode :logical   
##  1st Qu.: 26.00           FALSE:56459         FALSE:101218    
##  Median : 67.00           TRUE :57478         TRUE :12719     
##  Mean   : 96.07                                               
##  3rd Qu.:137.00                                               
##  Max.   :755.00                                               
##  NA's   :7625                                                 
##                     GroupKey      DateCreditPulled             
##                         :100596   Min.   :2005-11-09 00:30:04  
##  783C3371218786870A73D20:  1140   1st Qu.:2008-09-16 22:31:26  
##  3D4D3366260257624AB272D:   916   Median :2012-06-17 08:01:23  
##  6A3B336601725506917317E:   698   Mean   :2011-07-09 16:14:50  
##  FEF83377364176536637E50:   611   3rd Qu.:2013-09-11 14:31:19  
##  C9643379247860156A00EC0:   342   Max.   :2014-03-10 12:20:56  
##  (Other)                :  9634   NA's   :1                    
##  CreditScoreRangeLower CreditScoreRangeUpper FirstRecordedCreditLine      
##  Min.   :  0.0         Min.   : 19.0         Min.   :1947-08-24 00:00:00  
##  1st Qu.:660.0         1st Qu.:679.0         1st Qu.:1990-06-01 00:00:00  
##  Median :680.0         Median :699.0         Median :1995-11-01 00:00:00  
##  Mean   :685.6         Mean   :704.6         Mean   :1994-11-17 06:23:33  
##  3rd Qu.:720.0         3rd Qu.:739.0         3rd Qu.:2000-03-14 00:00:00  
##  Max.   :880.0         Max.   :899.0         Max.   :2012-12-22 00:00:00  
##  NA's   :591           NA's   :591           NA's   :697                  
##  CurrentCreditLines OpenCreditLines TotalCreditLinespast7years
##  Min.   : 0.00      Min.   : 0.00   Min.   :  2.00            
##  1st Qu.: 7.00      1st Qu.: 6.00   1st Qu.: 17.00            
##  Median :10.00      Median : 9.00   Median : 25.00            
##  Mean   :10.32      Mean   : 9.26   Mean   : 26.75            
##  3rd Qu.:13.00      3rd Qu.:12.00   3rd Qu.: 35.00            
##  Max.   :59.00      Max.   :54.00   Max.   :136.00            
##  NA's   :7604       NA's   :7604    NA's   :697               
##  OpenRevolvingAccounts OpenRevolvingMonthlyPayment InquiriesLast6Months
##  Min.   : 0.00         Min.   :    0.0             Min.   :  0.000     
##  1st Qu.: 4.00         1st Qu.:  114.0             1st Qu.:  0.000     
##  Median : 6.00         Median :  271.0             Median :  1.000     
##  Mean   : 6.97         Mean   :  398.3             Mean   :  1.435     
##  3rd Qu.: 9.00         3rd Qu.:  525.0             3rd Qu.:  2.000     
##  Max.   :51.00         Max.   :14985.0             Max.   :105.000     
##                                                    NA's   :697         
##  TotalInquiries    CurrentDelinquencies AmountDelinquent  
##  Min.   :  0.000   Min.   : 0.0000      Min.   :     0.0  
##  1st Qu.:  2.000   1st Qu.: 0.0000      1st Qu.:     0.0  
##  Median :  4.000   Median : 0.0000      Median :     0.0  
##  Mean   :  5.584   Mean   : 0.5921      Mean   :   984.5  
##  3rd Qu.:  7.000   3rd Qu.: 0.0000      3rd Qu.:     0.0  
##  Max.   :379.000   Max.   :83.0000      Max.   :463881.0  
##  NA's   :1159      NA's   :697          NA's   :7622      
##  DelinquenciesLast7Years PublicRecordsLast10Years
##  Min.   : 0.000          Min.   : 0.0000         
##  1st Qu.: 0.000          1st Qu.: 0.0000         
##  Median : 0.000          Median : 0.0000         
##  Mean   : 4.155          Mean   : 0.3126         
##  3rd Qu.: 3.000          3rd Qu.: 0.0000         
##  Max.   :99.000          Max.   :38.0000         
##  NA's   :990             NA's   :697             
##  PublicRecordsLast12Months RevolvingCreditBalance BankcardUtilization
##  Min.   : 0.000            Min.   :      0        Min.   :0.000      
##  1st Qu.: 0.000            1st Qu.:   3121        1st Qu.:0.310      
##  Median : 0.000            Median :   8549        Median :0.600      
##  Mean   : 0.015            Mean   :  17599        Mean   :0.561      
##  3rd Qu.: 0.000            3rd Qu.:  19521        3rd Qu.:0.840      
##  Max.   :20.000            Max.   :1435667        Max.   :5.950      
##  NA's   :7604              NA's   :7604           NA's   :7604       
##  AvailableBankcardCredit  TotalTrades    
##  Min.   :     0          Min.   :  0.00  
##  1st Qu.:   880          1st Qu.: 15.00  
##  Median :  4100          Median : 22.00  
##  Mean   : 11210          Mean   : 23.23  
##  3rd Qu.: 13180          3rd Qu.: 30.00  
##  Max.   :646285          Max.   :126.00  
##  NA's   :7544            NA's   :7544    
##  TradesNeverDelinquent..percentage. TradesOpenedLast6Months
##  Min.   :0.000                      Min.   : 0.000         
##  1st Qu.:0.820                      1st Qu.: 0.000         
##  Median :0.940                      Median : 0.000         
##  Mean   :0.886                      Mean   : 0.802         
##  3rd Qu.:1.000                      3rd Qu.: 1.000         
##  Max.   :1.000                      Max.   :20.000         
##  NA's   :7544                       NA's   :7544           
##  DebtToIncomeRatio         IncomeRange    IncomeVerifiable
##  Min.   : 0.000    $0            :  621   Mode :logical   
##  1st Qu.: 0.140    $1-24,999     : 7274   FALSE:8669      
##  Median : 0.220    $25,000-49,999:32192   TRUE :105268    
##  Mean   : 0.276    $50,000-74,999:31050                   
##  3rd Qu.: 0.320    $75,000-99,999:16916                   
##  Max.   :10.010    $100,000+     :17337                   
##  NA's   :8554      NA's          : 8547                   
##  StatedMonthlyIncome                    LoanKey       TotalProsperLoans
##  Min.   :      0     CB1B37030986463208432A1:     6   Min.   :0.00     
##  1st Qu.:   3200     2DEE3698211017519D7333F:     4   1st Qu.:1.00     
##  Median :   4667     9F4B37043517554537C364C:     4   Median :1.00     
##  Mean   :   5608     D895370150591392337ED6D:     4   Mean   :1.42     
##  3rd Qu.:   6825     E6FB37073953690388BC56D:     4   3rd Qu.:2.00     
##  Max.   :1750003     0D8F37036734373301ED419:     3   Max.   :8.00     
##                      (Other)                :113912   NA's   :91852    
##  TotalProsperPaymentsBilled OnTimeProsperPayments
##  Min.   :  0.00             Min.   :  0.00       
##  1st Qu.:  9.00             1st Qu.:  9.00       
##  Median : 16.00             Median : 15.00       
##  Mean   : 22.93             Mean   : 22.27       
##  3rd Qu.: 33.00             3rd Qu.: 32.00       
##  Max.   :141.00             Max.   :141.00       
##  NA's   :91852              NA's   :91852        
##  ProsperPaymentsLessThanOneMonthLate ProsperPaymentsOneMonthPlusLate
##  Min.   : 0.00                       Min.   : 0.00                  
##  1st Qu.: 0.00                       1st Qu.: 0.00                  
##  Median : 0.00                       Median : 0.00                  
##  Mean   : 0.61                       Mean   : 0.05                  
##  3rd Qu.: 0.00                       3rd Qu.: 0.00                  
##  Max.   :42.00                       Max.   :21.00                  
##  NA's   :91852                       NA's   :91852                  
##  ProsperPrincipalBorrowed ProsperPrincipalOutstanding
##  Min.   :    0            Min.   :    0              
##  1st Qu.: 3500            1st Qu.:    0              
##  Median : 6000            Median : 1627              
##  Mean   : 8472            Mean   : 2930              
##  3rd Qu.:11000            3rd Qu.: 4127              
##  Max.   :72499            Max.   :23451              
##  NA's   :91852            NA's   :91852              
##  ScorexChangeAtTimeOfListing LoanCurrentDaysDelinquent
##  Min.   :-209.00             Min.   :   0.0           
##  1st Qu.: -35.00             1st Qu.:   0.0           
##  Median :  -3.00             Median :   0.0           
##  Mean   :  -3.22             Mean   : 152.8           
##  3rd Qu.:  25.00             3rd Qu.:   0.0           
##  Max.   : 286.00             Max.   :2704.0           
##  NA's   :95009                                        
##  LoanFirstDefaultedCycleNumber LoanMonthsSinceOrigination   LoanNumber    
##  Min.   : 0.00                 Min.   :  0.0              Min.   :     1  
##  1st Qu.: 9.00                 1st Qu.:  6.0              1st Qu.: 37332  
##  Median :14.00                 Median : 21.0              Median : 68599  
##  Mean   :16.27                 Mean   : 31.9              Mean   : 69444  
##  3rd Qu.:22.00                 3rd Qu.: 65.0              3rd Qu.:101901  
##  Max.   :44.00                 Max.   :100.0              Max.   :136486  
##  NA's   :96985                                                            
##  LoanOriginalAmount LoanOriginationDate           LoanOriginationQuarter
##  Min.   : 1000      Min.   :2005-11-15 00:00:00   Q4 2013:14450         
##  1st Qu.: 4000      1st Qu.:2008-10-02 00:00:00   Q1 2014:12172         
##  Median : 6500      Median :2012-06-26 00:00:00   Q3 2013: 9180         
##  Mean   : 8337      Mean   :2011-07-21 03:44:57   Q2 2013: 7099         
##  3rd Qu.:12000      3rd Qu.:2013-09-18 00:00:00   Q3 2012: 5632         
##  Max.   :35000      Max.   :2014-03-12 00:00:00   Q2 2012: 5061         
##                                                   (Other):60343         
##                    MemberKey      MonthlyLoanPayment LP_CustomerPayments
##  63CA34120866140639431C9:     9   Min.   :   0.0     Min.   :   -2.35   
##  16083364744933457E57FB9:     8   1st Qu.: 131.6     1st Qu.: 1005.76   
##  3A2F3380477699707C81385:     8   Median : 217.7     Median : 2583.83   
##  4D9C3403302047712AD0CDD:     8   Mean   : 272.5     Mean   : 4183.08   
##  739C338135235294782AE75:     8   3rd Qu.: 371.6     3rd Qu.: 5548.40   
##  7E1733653050264822FAA3D:     8   Max.   :2251.5     Max.   :40702.39   
##  (Other)                :113888                                         
##  LP_CustomerPrincipalPayments LP_InterestandFees LP_ServiceFees   
##  Min.   :    0.0              Min.   :   -2.35   Min.   :-664.87  
##  1st Qu.:  500.9              1st Qu.:  274.87   1st Qu.: -73.18  
##  Median : 1587.5              Median :  700.84   Median : -34.44  
##  Mean   : 3105.5              Mean   : 1077.54   Mean   : -54.73  
##  3rd Qu.: 4000.0              3rd Qu.: 1458.54   3rd Qu.: -13.92  
##  Max.   :35000.0              Max.   :15617.03   Max.   :  32.06  
##                                                                   
##  LP_CollectionFees  LP_GrossPrincipalLoss LP_NetPrincipalLoss
##  Min.   :-9274.75   Min.   :  -94.2       Min.   : -954.5    
##  1st Qu.:    0.00   1st Qu.:    0.0       1st Qu.:    0.0    
##  Median :    0.00   Median :    0.0       Median :    0.0    
##  Mean   :  -14.24   Mean   :  700.4       Mean   :  681.4    
##  3rd Qu.:    0.00   3rd Qu.:    0.0       3rd Qu.:    0.0    
##  Max.   :    0.00   Max.   :25000.0       Max.   :25000.0    
##                                                              
##  LP_NonPrincipalRecoverypayments PercentFunded    Recommendations   
##  Min.   :    0.00                Min.   :0.7000   Min.   : 0.00000  
##  1st Qu.:    0.00                1st Qu.:1.0000   1st Qu.: 0.00000  
##  Median :    0.00                Median :1.0000   Median : 0.00000  
##  Mean   :   25.14                Mean   :0.9986   Mean   : 0.04803  
##  3rd Qu.:    0.00                3rd Qu.:1.0000   3rd Qu.: 0.00000  
##  Max.   :21117.90                Max.   :1.0125   Max.   :39.00000  
##                                                                     
##  InvestmentFromFriendsCount InvestmentFromFriendsAmount   Investors      
##  Min.   : 0.00000           Min.   :    0.00            Min.   :   1.00  
##  1st Qu.: 0.00000           1st Qu.:    0.00            1st Qu.:   2.00  
##  Median : 0.00000           Median :    0.00            Median :  44.00  
##  Mean   : 0.02346           Mean   :   16.55            Mean   :  80.48  
##  3rd Qu.: 0.00000           3rd Qu.:    0.00            3rd Qu.: 115.00  
##  Max.   :33.00000           Max.   :25000.00            Max.   :1189.00  
##                                                                          
##            ListingCategory  CreditGrade.ProsperRating
##  Debt Consolidation:58308   C      :23994            
##  Other             :10494   B      :19970            
##  Home Improvement  : 7433   D      :19427            
##  Business          : 7189   A      :17866            
##  Auto              : 2572   E      :13084            
##  (Other)           :10976   (Other):19465            
##  NA's              :16965   NA's   :  131            
##                 past.due.days   
##  Past Due (1-15 days)  :   806  
##  Past Due (16-30 days) :   265  
##  Past Due (31-60 days) :   363  
##  Past Due (61-90 days) :   313  
##  Past Due (91-120 days):   304  
##  Past Due (>120 days)  :    16  
##  NA's                  :111870

## `stat_bin()` using `bins = 30`. Pick better value with `binwidth`.

## Warning: Removed 25 rows containing non-finite values (stat_bin).

## `stat_bin()` using `bins = 30`. Pick better value with `binwidth`.

## Warning: Removed 8554 rows containing non-finite values (stat_bin).

## Warning: Removed 8554 rows containing non-finite values (stat_bin).

## `stat_bin()` using `bins = 30`. Pick better value with `binwidth`.

Tip: Make sure that you leave a blank line between the start / end of each code block and the end / start of your Markdown text so that it is formatted nicely in the knitted text. Note as well that text on consecutive lines is treated as a single space. Make sure you have a blank line between your paragraphs so that they too are formatted for easy readability.

Univariate Analysis

Tip: Now that you’ve completed your univariate explorations, it’s time to reflect on and summarize what you’ve found. Use the questions below to help you gather your observations and add your own if you have other thoughts!

What is the structure of your dataset?

What is/are the main feature(s) of interest in your dataset?

What other features in the dataset do you think will help support your
investigation into your feature(s) of interest?

Did you create any new variables from existing variables in the dataset?

Of the features you investigated, were there any unusual distributions?
Did you perform any operations on the data to tidy, adjust, or change the form
of the data? If so, why did you do this?

Bivariate Plots Section

Tip: Based on what you saw in the univariate plots, what relationships between variables might be interesting to look at in this section? Don’t limit yourself to relationships between a main output feature and one of the supporting variables. Try to look at relationships between supporting variables as well.

## Warning: Removed 25 rows containing missing values (geom_point).

Bivariate Analysis

Tip: As before, summarize what you found in your bivariate explorations here. Use the questions below to guide your discussion.

Talk about some of the relationships you observed in this part of the
investigation. How did the feature(s) of interest vary with other features in
the dataset?

Did you observe any interesting relationships between the other features
(not the main feature(s) of interest)?

What was the strongest relationship you found?

Multivariate Plots Section

Tip: Now it’s time to put everything together. Based on what you found in the bivariate plots section, create a few multivariate plots to investigate more complex interactions between variables. Make sure that the plots that you create here are justified by the plots you explored in the previous section. If you plan on creating any mathematical models, this is the section where you will do that.

Multivariate Analysis

Talk about some of the relationships you observed in this part of the
investigation. Were there features that strengthened each other in terms of
looking at your feature(s) of interest?

Were there any interesting or surprising interactions between features?

OPTIONAL: Did you create any models with your dataset? Discuss the
strengths and limitations of your model.


Final Plots and Summary

Tip: You’ve done a lot of exploration and have built up an understanding of the structure of and relationships between the variables in your dataset. Here, you will select three plots from all of your previous exploration to present here as a summary of some of your most interesting findings. Make sure that you have refined your selected plots for good titling, axis labels (with units), and good aesthetic choices (e.g. color, transparency). After each plot, make sure you justify why you chose each plot by describing what it shows.

Plot One

Description One

Plot Two

Description Two

Plot Three

Description Three


Reflection

Tip: Here’s the final step! Reflect on the exploration you performed and the insights you found. What were some of the struggles that you went through? What went well? What was surprising? Make sure you include an insight into future work that could be done with the dataset.

Tip: Don’t forget to remove this, and the other Tip sections before saving your final work and knitting the final report!